Stik Credit is a Bulgarian non-bank financial institution that has been operating since 2013. It provides short-term consumer loans, installment loans, and, through its Tiberus brand, financing for used vehicles. The company combines online distribution with a network of partners and branches, enabling it to serve both digitally oriented customers and those who prefer in-person interaction.

At the core of its operations is a proprietary, scalable infrastructure featuring automated credit scoring powered by machine learning elements. The system supports fast decision-making, continuous risk reassessment, and standardized debt collection processes. The company serves more than 38,000 active customers and maintains a high share of returning clients, whose repayment history provides additional data for managing credit limits.

On Bondster, the underlying assets consist primarily of unsecured consumer loans. The loan originator retains a 10% stake in the financed loans and provides a buyback guarantee. As a result, the quality of the investment depends on a combination of a granular loan portfolio, the accuracy of the scoring model, and Stik Credit’s ability to meet its obligations toward investors.

The current return offered to investors on Bondster is 10% p.a.